Do you think Stripe is doing this just to be a dick?
It's because if it turns out to be money laundering, theft, or fraud, Stripe gets shafted financially (best case), and fairly likely FBI agents show up and start asking pointed questions.
Stripe is doing what it needs to optimize it's revenue/profits/value which does not mean it's the right or best thing for all it's legitimate customers. Stripe is free to do what it does and we are free to call them out for the pain it causes their customers.
It's because if it turns out to be money laundering, theft, or fraud, Stripe gets shafted financially (best case), and fairly likely FBI agents show up and start asking pointed questions.